Point value
Not published by issuer — varies by redemption
SBI VISA
BPCL
Should you get this?
Conditional fit
Trade-off
The annual fee (₹499) is waived only after ₹1,00,000 of eligible annual spend.
Annual fee ₹499 per year
Rewards 1 pt / ₹100
Lounge access 0 no lounge
Forex markup 3.5% high
Compare with Axis Bank ACE →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1 pt / ₹100——
BPCL (domestic)13 pts / ₹100—1,300 points per month; at 13 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend
Annual fee break-even math
When does this card pay for itself ₹1L yearly spend to waive the annual fee
Annual fee is ₹499. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getCaps
- BPCL (domestic)1,300 points per month
Why?
at 13 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹1,00,000yearAnnual fee waiverreasonablestrong
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Reward point value isn't clearly documented yet, so overall returns may vary.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (1 pt / ₹100). ~500 pts/month. Category and partner bonuses aren't included in this estimate.
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
2 sources agree · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- International (cardholder)
- Not included
2 sources agree · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
Rewards
- Base earn
- 1 points per ₹100 value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹499
- Joining fee
- ₹499 · verified 20 Jun 2026
- Fee waiver spend
- ₹1,00,000 · verified 20 Jun 2026 Below catalog median waiver (₹2,00,000 vs ₹1,00,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
3 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- Shared Sbicard Com
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Entry-level
Travel & perks
Fuel Benefits
At the pumpNo verified fuel benefit available.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Monthly cap:1,300 reward points per month; at 13 reward points / ₹100, this lane reaches the cap at ₹10,000 of eligible spend.
Latest update
- Annual fee: ₹499.
- Forex markup currently listed at 3.5%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies at ₹1,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit worth ₹2,000 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- How reward rate works
Pts / ₹100 without the marketing fog - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum